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Getting Started

Before setting out on your next family expedition, make sure that your RV or RV rental insurance coverage is adequate. There are a variety of factors you may want to consider before continuing with your old plan or purchasing a new one. Not all RV insurance companies are the same or offer the same packages, so you should determine the following in order to get started:


• Where your RV will primarily be used
Each state has different insurance requirements for RVs, knowing where you’re going will help you determine how much coverage you need.

• The size of your RV
If you have a Class C RV, this may require different amounts of coverage.

• How frequently you plan on using your RV
Are you a part-time RVer or will you be traveling year-round? Your use will help determine your coverage needs as well.

• Comprehensive or standard coverage
Answering the above questions might help you determine the need for basic or comprehensive coverage, also knowing what and how much of your RV you want protected in a variety of situations – an Ansay & Associates specialist can walk you through a needs assessment to help determine the best fit for you.

Explore Coverage Options

Now that you have a good idea of what you might need to cover with RV insurance, you can start exploring different coverage options with an Ansay & Associates specialist. We can look at and compare quotes from multiple RV insurance companies and look at what coverage options will be best for you. Below are some of the common RV insurance options we can look at with you:

Total Loss Replacement

Replacement cost for a totaled camper; this coverage can be actual value replacement or for a new vehicle.

Personal Property Replacement

This coverage protects personal items that you bring with you on a trip.


This can handle expenses associated with an RV breakdown, including food, lodging and travel expenses.


This covers costs associated with accidents (driving or campsite related) and can include towing.

Comprehensive Coverage

In addition to the above listed items, this may include costs associated with theft, vandalism, and fire.

How RV Insurance Cost Is Calculated

If you want to get the best RV insurance quotes to compare, you will need to understand the different factors used in an RV insurance calculator to determine price. Below are some of the most common factors accounted for when determining RV insurance cost:

Age of the RV

A newer or higher market value RV will cost more to insure because it will cost more to replace. 


Is your coverage protecting the market value of your RV or will something like total replacement cover the cost of a brand-new RV?


How often you use it and what you use your RV for will impact RV insurance cost. If you rent an RV, you may need to get specialized RV rental insurance.

Driving Record

Your driving record will play a role as well.


The items that travel with you can also increase the RV insurance quotes. The more valuable your belongings are, the more protection you need.


Where you live and where you use your RV are also major factors in determining the cost of RV insurance.

Types of RVs and Campers

RV insurance can cover the full spectrum of RVs and campers, depending on the policy you purchase. This includes:

  • Class A, B, and C RVs
  • Travel Trailers & Campers
  • Pop-up/Truck Campers
  • Coverage Considerations

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Life insurance isn’t the most popular topic to consider. However, if someone depends on you financially and you want to protect them, then it’s a necessity. Simply stated, life insurance ensures your family’s financial security and peace of mind.

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Frequently Asked Questions

Answers to Frequently Asked RV Insurance Questions

How much is RV Insurance?

Typically RV insurance costs between $1,000 and $2,000, but there are a variety of factors that can affect your price. Consulting with a professional advisor is the only way to get an exact quote.

Does RV Insurance cover water damage?

That depends. Full coverage RV insurance covers water damage if the water damage is the result of a qualifying incident, but other coverages will not cover the damage.

What does RV Insurance cover?

RV insurance is like a combination of auto and liability insurance – things like collisions, uninsured motorist, and property damage are usually included in RV insurance.

Does RV Insurance cover awning damage?

In many cases, yes, RV insurance will cover damage to awnings. However, coverage will vary depending on the RV insurance policy you have in place.

Do RV trailers require insurance?

This will depend on the type of coverage you have. Travel trailers are not motorized and may require additional coverage under your RV insurance.

Contact Us

We're here to answer your questions. Let's talk.

Traveling in your RV is a great way to get out and see the world. Whether you are staying close to home or traveling the country, Ansay & Associates can help make sure you’re protected with the right RV insurance policy.

Please note, your message does not bind, alter, or cancel coverages and is not effective until confirmed directly with a licensed agent.

You Can Always Call Us Toll-Free at: 1 (888) 262-6729

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